Pre-approvals

Approve customers before they shop, then attach the cart when they're ready to buy.

A pre-approval lets a customer find out how much they can finance before choosing products. It's useful for high-consideration purchases like furniture, mattresses, and electronics, and for sales teams working with customers by phone.

Three ways to start one

Where the customer starts	How	Best for
Your site's financing page	The customer clicks Apply Now. The pre-approval form opens over your page.	Shoppers browsing on their own
Your pre-approval link	Send the customer to the link below from a button, email, text, or QR code	Marketing and in-store signs
The API	You create the pre-approval with the customer's details, and PayTomorrow sends them the link	Sales teams and your own app, when you want the `token` right away

The pre-approval link for your account is:

https://api.paytomorrow.com/api/ecommerce/public/pre-approval/YOUR_PUBLIC_ID

On staging, use https://api-staging.paytomorrow.com/api/ecommerce/public/pre-approval/YOUR_STAGING_PUBLIC_ID. The link redirects the customer to the pre-approval form for your store. Your Public ID is under Resources in the merchant dashboard.

However the customer starts, you're notified by the pre-approval postback when they're approved. The rest of this page covers the API.

How it works

1. Create the pre-approval

curl -X POST https://api-staging.paytomorrow.com/api/ecommerce/application/pre-approval/send \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "firstName": "Jordan",
    "lastName": "Rivera",
    "email": "jordan.rivera@example.com",
    "cellPhone": "7045550123"
  }'

PayTomorrow texts and emails the customer a link. To send the link yourself, for example inside your own app, set "suppressNotification": true and use the url from the response. Save the token.

API reference

2. Receive the approval

When the customer is approved, PayTomorrow sends a JSON pre-approval postback with approvedAmount. The URL it goes to is set on your merchant account, so ask your account manager to configure it.

If the customer applies inside an iframe, you also get a pt-pre-approval browser message with approvalAmount and token.

3. Attach the cart

When the customer is ready to buy, send the cart with the pre-approval token. PayTomorrow sends the customer a link to review and sign.

curl -X POST "https://api-staging.paytomorrow.com/api/ecommerce/application/$TOKEN/cart/update/send" \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "orderId": "100047",
    "loanAmount": 849.99,
    "shipping": 0,
    "taxes": 50,
    "items": [
      { "description": "Refurbished laptop 16GB", "quantity": 1, "price": 799.99 }
    ]
  }'

From here the application follows the normal flow. You get a postback with status S when the customer signs, then you settle when you ship.